questions from the audience. hosted by the u.s. chamber of commerce this is just under an hour. >> thank you very much. thank you, everyone, for being here this morning. especially those who traveled to be with us. it's nice to close the doors from the rest of washington and the fiscal cliff debate for a little while and talk about fiscal challenges elsewhere. whether it's a good news or bad news, at least it gives us an opportunity to talk about something a little bit different than the news of the day in this final two weeks, i think, before hopefully congress finds an opportunity to either avoid or move or solve some of the fiscal cliff issues and fiscal challenges that we face. and thank you for dick gravich and the work of the panel and the commission he co--led. there are copies of that report that were available when you came in. it's an excellent document that i really encourage everyone to take a close read. it's filled with good analytics in terms of what's going on on the state level. to help us understand. and i fully agree, dick, with your comments earlier about the disconnect.